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The Making Home Affordable Program (MHA) ® is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

"Once you show them that you're trying they're going to help you but you have to try first. And they will help."

Kenny - Homeowner

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out that avoids foreclosure. Additionally, there are options for unemployed homeowners and homeowners who owe more than their homes are worth.

Under recently announced changes to HAMP, military homeowners and other families who are permanently displaced by a job-related move may still qualify as owner-occupants, which means you may still be eligible for a mortgage modification.

Help is a Phone Call Away

888-995-HOPE (4673)
Hearing impaired:
877-304-9709 TTY

As you enter a process that can sometimes be overwhelming, it would be in your best interest to engage a housing expert to help you along the way. Let a HUD-approved housing counselor help you understand your options, prepare your application, and work with your mortgage company.